Bay County property record for 1909 E 11th St, Panama City, FL 32401
| Property Type | Residential Vacant Land |
|---|---|
| Details | 1 bd · 1 ba · 560 sqft · built 1948 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | Company Name on File |
| Last Sale | $5,200 (Feb 2004) |
| Tax Bill | $346 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 16051-000-000 |
| Primary APN | 16051-000-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 560 sqft |
| 1st Floor Area | 560 sqft |
| Year Built | Built 1948 |
|---|---|
| Exterior Material | Other |
| Lot Area | 13,199 sqft (0.303 acres) |
| Lot Dimensions | 110 ft deep x 120 ft wide |
| Porch | Porch |
| Porch Area | 114 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1909 E 11TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32401-4442 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | BC15 |
| Legal Description | 3 4S 14W -232-105A BEG 320' W OF SE COR OF SE1/4 OF NW1/4 OF SEC 3 N 110' W 120' S 110' E |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 03 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 1700 |
1909 E 11th St, residential vacant land, is owned by a company that bought it in February 2004.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1338 N CENTER AVE, PANAMA CITY, FL 32401-4419 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2004 · Amount on File |
| Deed Sale | Feb 25, 2004 · Amount on File |
| Deed Document Number | 2004-013267 |
| Deed Book / Page | 2401 / 2387 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1909 E 11th St was $346, down 55.6% from the year before.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $346.00 (-55.64%) | $30,972 (+13.73%) Land $30,972 | $30,972 (+13.73%) Land $30,972 |
| 2024 | $780.00 (+3.72%) | $27,234 (+13.33%) Land $27,234 | $27,234 (+13.33%) Land $27,234 |
| 2023 | $752.00 (+7.43%) | $24,030 (+17.81%) Land $24,030 | $24,030 (+17.81%) Land $24,030 |
| 2022 | $700.00 | $20,398 Land $20,398 | $20,398 Land $20,398 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1909 E 11th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 4 (1983–2018) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1909 E 11th St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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